Life Insurance Quote Request
Life Insurance
No one likes to think about their own mortality. However, Life Insurance can help ensure that your dependents have the resources they need to replace your income should you die. But how do you go about purchasing coverage? And what can you do to get the best possible rate? Understanding the process for obtaining life insurance can help you get the coverage you need at a affordable price.
Life Insurance policies help provide security to either you or your beneficiaries after you pass away or after a designated period of time. With a life insurance policy you can help secure and help protect your family's financial future by allocating funds for burial expenses, uninsured medical bills, paying off debt, paying for college, covering final expenses and more while also maintaining your family's standard of living.
We will help you make an educated and and informed decision about your life insurance needs. We listen to your needs and do our best to understand your objectives to provide you with a life insurance policy that provides you and your family with the security you deserve.
Types of Life Insurance Policies:
* Term Life Insurance
* Universal Life Insurance (Permanent Life Insurance)
* Whole Life insurance (Permanent Life Insurance)
* Variable Life Insurance (Permanent Life Insurance)
The two main types of life insurance are term life insurance and permanent life insurance. Term life insurance covers you for s specified period of time. There are three different types of permanent life insurance: universal life insurance, whole life insurance, and variable life insurance.
Term life insurance is a affordable and low-cost way of providing maximum coverage for your family. Term life insurance can be used to replace lost income to help your family meet their financial goals.
Universal life insurance offers great flexibility with payment options, death benefits, and cash value. The policy holders can determine the amount and frequency of premium payments.
Whole life insurance provides protection for your whole family and can be used to preserve the wealth you plan to hand down to your family. Unlike term life insurance, whole life insurance combines insurance protection and savings which builds over time.
Variable life insurance provides whole life protection and an investing opportunity much like a mutual fund.
How to Improve Life Insurance Premiums
- Quit using tobacco
- Lose Weight
- Reduce or eliminate alcohol use
- Improve driving record
- Switch to a term policy
- Switching providers
- Payment discounts (paying in full vs. monthly)
When Tragedy strikes it is important to make sure your family is covered and well taken care of.
Our Agency specializes in life insurance and more.
We service all of North Carolina to include but not limited to:
Charlotte, Raleigh, Greensboro, Durham, Winston-Salem, Fayetteville, Cary, Wilmington, High Point, Concord, Greenville, Asheville, Gastonia, Jacksonville, Apex, Chapel Hill, Huntersville, Burlington, Rocky Mount, Kannapolis, Wilson, Wake Forest, Hickory, Indian Trail, Mooresville, Holly Springs, Monroe, Salisbury, Matthews, Goldsboro, Garner, Fuquay-Varina, Morrisville, Cornelius, Sanford, New Bern, Clayton, Statesville, Mint Hill, Leland, Thomasville, Asheboro, Kernersville, Clemmons, Carrboro, Kinston, Shelby, Lumberton, and all surrounding areas.